Best Melbourne, FL Car Insurance in 2024
Car insurance in Melbourne, FL averages $336 a month. Melbourne, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Melbourne car insurance rates, compare quotes from the top car insurance companies in Melbourne, FL.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Melbourne, FL are $4,034/year
- The cheapest car insurance company in Melbourne is USAA
- The cheapest ZIP code in Melbourne is 32903
If you need to buy Melbourne, Florida car insurance, the options can be confusing. Everything you need to know about car insurance in Melbourne, FL is right here.
You’ll find Melbourne car insurance rates, the cheapest Melbourne, FL car insurance companies, and information on Florida car insurance laws. You can also compare Melbourne, Florida car insurance rates to Hialeah car insurance rates, Jacksonville car insurance rates, and Orlando car insurance rates.
Ready to find affordable Melbourne, FL car insurance today? Enter your ZIP code for fast, free Melbourne car insurance quotes.
Cheapest Melbourne, FL Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Melbourne, FL car insurance rates? Every Melbourne, Florida car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $4,157 | $3,963 | $3,615 | $3,664 | $14,150 | $15,318 | $4,120 | $4,168 |
| Geico | $2,751 | $2,763 | $2,576 | $2,576 | $4,925 | $6,201 | $3,031 | $3,080 |
| Liberty Mutual | $3,079 | $3,079 | $2,829 | $2,829 | $6,404 | $9,815 | $3,079 | $4,142 |
| Nationwide | $2,441 | $2,413 | $2,187 | $2,261 | $5,773 | $7,101 | $2,683 | $2,792 |
| Progressive | $3,420 | $3,220 | $2,939 | $3,144 | $9,565 | $10,412 | $4,103 | $3,910 |
| State Farm | $1,821 | $1,821 | $1,659 | $1,659 | $5,187 | $6,635 | $2,022 | $2,155 |
| USAA | $1,326 | $1,302 | $1,243 | $1,230 | $4,508 | $5,228 | $1,648 | $1,774 |
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Minimum Car Insurance in Melbourne, FL
Every driver must carry the minimum car insurance in Melbourne, FL. Take a look at the Florida car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $10,000 per person $20,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
Cheapest Melbourne, FL Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Melbourne, FL. Compare credit history car insurance rates in Melbourne from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $9,314 | $5,869 | $4,751 |
| Geico | $5,076 | $3,076 | $2,312 |
| Liberty Mutual | $5,651 | $4,171 | $3,399 |
| Nationwide | $4,308 | $3,180 | $2,881 |
| Progressive | $6,638 | $4,708 | $3,921 |
| State Farm | $3,928 | $2,573 | $2,109 |
| USAA | $3,694 | $1,823 | $1,331 |
Cheapest Melbourne, FL Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Melbourne, FL to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,739 | $6,872 | $7,606 | $6,361 |
| Geico | $2,434 | $3,107 | $4,617 | $3,793 |
| Liberty Mutual | $3,196 | $4,130 | $5,961 | $4,340 |
| Nationwide | $2,961 | $3,242 | $4,341 | $3,281 |
| Progressive | $4,028 | $5,935 | $5,005 | $5,389 |
| State Farm | $2,623 | $3,117 | $2,870 | $2,870 |
| USAA | $1,787 | $2,206 | $3,264 | $1,873 |
Cheapest Melbourne, FL Car Insurance for Teen Drivers
Teen car insurance in Melbourne, FL can be expensive. Take a look at rates from the top car insurance companies in Melbourne for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $14,150 | $15,318 |
| Geico | $4,925 | $6,201 |
| Liberty Mutual | $6,404 | $9,815 |
| Nationwide | $5,773 | $7,101 |
| Progressive | $9,565 | $10,412 |
| State Farm | $5,187 | $6,635 |
| USAA | $4,508 | $5,228 |
Cheapest Melbourne, FL Car Insurance for Seniors
Take a look at Melbourne, FL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,615 | $3,664 |
| Geico | $2,576 | $2,576 |
| Liberty Mutual | $2,829 | $2,829 |
| Nationwide | $2,187 | $2,261 |
| Progressive | $2,939 | $3,144 |
| State Farm | $1,659 | $1,659 |
| USAA | $1,243 | $1,230 |
Cheapest Melbourne, FL Car Insurance Rates After a DUI
A DUI in Melbourne, FL increases car insurance rates. Compare Melbourne, Florida DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $7,606 |
| Geico | $4,617 |
| Liberty Mutual | $5,961 |
| Nationwide | $4,341 |
| Progressive | $5,005 |
| State Farm | $2,870 |
| USAA | $3,264 |
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Cheapest Melbourne, FL Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Melbourne, FL by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $6,455 | $6,834 |
| Geico | $3,471 | $3,505 |
| Liberty Mutual | $4,268 | $4,546 |
| Nationwide | $3,456 | $3,456 |
| Progressive | $5,089 | $5,089 |
| State Farm | $2,772 | $2,968 |
| USAA | $2,257 | $2,308 |
Cheapest Melbourne, FL Car Insurance Rates by ZIP Code
Melbourne car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Melbourne, FL.
| ZIP Code | Average Annual Rates |
|---|---|
| 32901 | $3,167 |
| 32903 | $3,052 |
| 32934 | $3,098 |
| 32935 | $3,119 |
| 32940 | $3,061 |
The Best Cheap Car Insurance Companies in Melbourne, FL
Take a look at a side-by-side comparison of the top car insurance companies in Melbourne, FL to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,644 |
| Geico | $3,488 |
| Liberty Mutual | $4,407 |
| Nationwide | $3,456 |
| Progressive | $5,089 |
| State Farm | $2,870 |
| USAA | $2,282 |
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Category Winners: Cheapest Car Insurance in Melbourne, Florida
Find the cheapest car insurance companies in Melbourne, FL for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
Cheapest Melbourne, FL Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Melbourne car insurance rates. Find the cheapest Melbourne, FL car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,131 | $6,988 | $7,814 |
| Geico | $2,830 | $3,616 | $4,018 |
| Liberty Mutual | $4,030 | $4,474 | $4,717 |
| Nationwide | $2,690 | $3,601 | $4,078 |
| Progressive | $4,243 | $5,210 | $5,815 |
| State Farm | $2,425 | $2,943 | $3,242 |
| USAA | $1,964 | $2,365 | $2,519 |
What affects car insurance rates in Melbourne, Florida?
What factors can have an impact on Melbourne, FL car insurance? There are several reasons why Melbourne car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Melbourne, Florida.
Car Theft in Melbourne
High levels of vehicle theft can make car insurance more expensive. Melbourne, FL car theft statistics from the FBI indicate 144 vehicle thefts a year.
Commute Time in Melbourne
The more time you spend in your car the higher the risk of an accident. The average commute length in Melbourne, FL is 19.9 minutes according to City-Data.
Traffic in Melbourne
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Melbourne, FL traffic data from INRIX ranks Melbourne as the 53rd-most congested in the world.
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Compare Car Insurance Quotes in Melbourne, FL
Ready to find affordable Melbourne, Florida car insurance today? Enter your ZIP code for fast, free Melbourne, FL car insurance quotes.
Frequently Asked Questions
How can I compare car insurance rates in Melbourne, FL?
To compare car insurance rates in Melbourne, FL, you have a few options. One way is to visit individual insurance company websites and request quotes directly. Another option is to use online insurance comparison websites that allow you to compare rates from multiple companies in one place. Additionally, you can reach out to local insurance agents who can provide personalized quotes based on your needs.
What factors affect car insurance rates in Melbourne, FL?
Several factors can influence car insurance rates in Melbourne, FL. These factors typically include your age, gender, marital status, driving history, the type of vehicle you drive, your credit score, the coverage options you choose, and the deductibles you select. Additionally, factors like the location of your residence and the level of auto theft or accident rates in your area can also impact insurance rates.
Are there any discounts available for car insurance in Melbourne, FL?
Yes, many insurance companies offer various discounts on car insurance in Melbourne, FL. These discounts can include safe driver discounts, multi-policy discounts (if you have multiple policies with the same company), good student discounts, discounts for having anti-theft devices or safety features in your vehicle, and discounts for completing defensive driving courses. It’s always a good idea to ask your insurance provider about any available discounts that you may qualify for.
Are there minimum coverage requirements for car insurance in Melbourne, FL?
Yes, there are minimum coverage requirements for car insurance in Melbourne, FL. Florida law mandates that all drivers must carry at least $10,000 in personal injury protection (PIP) coverage and $10,000 in property damage liability (PDL) coverage. It’s important to note that these minimum requirements may not provide sufficient coverage in the event of a serious accident, so it’s often recommended to consider additional coverage options for better protection.
Can my credit score impact my car insurance rates in Melbourne, FL?
Yes, in many cases, your credit score can affect your car insurance rates in Melbourne, FL. Insurance companies often use credit-based insurance scores as one of the factors to determine rates. Studies have shown a correlation between credit scores and insurance risk, although the use of credit scores can vary by state and insurance company. It’s a good idea to maintain a good credit score to potentially receive better insurance rates.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.